कर्जबाजारीपणामुळे निम्न व मध्यमवर्गीय कुटुंबांच्या राहणीमानावर होणारा नकारात्मक परिणामाचा अभ्यास
Abstract
सारांश- या अभ्यासामध्ये कर्जबाजारीपणामुळे निम्न व मध्यमवर्गीय कुटुंबांच्या दैनंदिन जीवनावर होणारे नकारात्मक परिणाम समजून घेण्याचा प्रयत्न केला आहे. कुटुंबाचे उत्पन्न कमी असताना जास्त कर्ज घेण्यामुळे त्यांचा मोठा भाग कर्जफेडीसाठी खर्च होतो. त्यामुळे बचत कमी होते, मुलांचे शिक्षण, आरोग्य व भविष्यातील गुंतवणूक याकडे दुर्लक्ष होते. यामुळे आर्थिक संकटासोबतच सामाजिक प्रतिष्ठा, मानसिक तणाव आणि नातेसंबंध यावरही वाईट परिणाम होतो.या अभ्यासासाठी दुय्यम स्त्रोतांचा (Secondary Data) वापर केला आहे. संशोधन ग्रंथ, शोधनिबंध, सरकारी अहवाल व विविध अभ्यासांचा संदर्भ घेऊन माहिती संकलित केली आहे. या आधारे असे दिसते की कर्जबाजारीपण हा फक्त आर्थिक प्रश्न नसून सामाजिक व मानसिक आरोग्याशीही निगडित गंभीर प्रश्न आहे.
Full text
Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 180 1,. 2 1 ,M.COM. M. A. (Eco), SET. B. Ed 2 ,M.COM MBA NET SET Ph. D 1,2. . . Manuscript ID: JRD -2025(I)-170941 ISSN: 2230-9578 Volume 17 Issue 9(I)| Pp. 180-186 Sept. 2025 Submitted: 9 Aug. 2025 Revised: 20 Aug. 2025 Accepted: 20 Sept. 2025 Published: 30 Sept. 2025 - . . , , . , . ( Secondary Data) . , , . . : . . . , , , , , , . . , . , , , . . : 1. :- . 2. :– . Quick Response Code: Website: https://jrdrvb.org/ DOI: 10.5281/zenodo.16885235 Creative Commons (CC BY-NC-SA 4.0) This is an open access journal, and articles are distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International Public License, which allows others to remix, tweak, and build upon the work noncommercially, as long as appropriate credit is given and the new creations ae licensed under the idential terms. Address for correspondence: , ,M.COM. M. A. (Eco), SET. B. Ed, . . . How to cite this article: , . , (2025). , Journal of Research & Development,180-186 Original Article
Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 181 3. : – , , , . 4. : – . : 1. . 2. . 3. , . 4. . 5. . (Research Problem) . , . . (Hypotheses) 1. H0 – . H1 – . 2. H0 – . H1 – . (Methodology) 1) Secondary Data ( , , , ). 2) ( ). 3) (Secondary Data) 1. All India Debt & Investment Survey (AIDIS 2019, 2020, 2022) 2. MOSPI (Ministry of Statistics and Programme Implementation) . 3. NSSO Consumption Expenditure Survey (2017-18) 4. RBI Annual Reports (household debt to income ratio). 5. EPW . 4) (Variables) (Debt Intensity): o Debt-to-Income Ratio (DTI) o EMI-to-Income % (Living Standard Indicators): o (%) o (%) o (%) / : (Secondary Data ) o /
Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 182 o 5) : . : Secondary datasets (percentage, ratio, trend, correlation). (Secondary Data Extract – AIDIS/NSSO Reports ) 1: (AIDIS 2019) (₹) (₹) EMI % % 1,20,000 36,000 30% 5% 2,40,000 72,000 30% 10% 1,80,000 72,000 40% 4% 3,60,000 1,20,000 33% 8% , : 1. (40%) – . . , , . 2. (20%) – . 3. (15%) – . . 4. // (15%) – , , . 5. / (10%) – . 2: (%) 42% 55% (%) 12% 7% (%) 8% 5% (%) 15% 5% , : 1. (35%) . 2. (25%) . 3. / (15%) .
Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 183 4. (15%) , , . 5. (10%) . 1: EMI-to-Income Ratio (%) (Secondary Data – AIDIS 2019 ) ████████░░░░ 30% ████████░░░░ 30% ██████████░░ 40% ████████░░░░ 33% : , 40% 50% , 20% 30% . – • . • . • , , - . • . . 2: (%) : 42% → 55% : 12% → 7% : 8% → 5% : 15% → 5% : – • (30%-35%) • (25%-30%) • (20%-25%) • , (15%-20%) . , . • . • . • . . • H1 ( ) → ( , ). • H1 ( ) → ( 15% 5% ).
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Journal of Research and Development Peer Reviewed International, Open Access Journal. ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-9(I) |Sept - 2025 185 ) 1. . ‘ ’ . 2. . 3. , . 4. , , - , . ) 1. , , - . 2. . . 3. - -, - . . 4. . . ) 1. , , . . 2. , , , . 3. . . 4. , , , . . , . . . 1. . 2. - , .
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